Importance

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Abstract

An electronic statement, bill presentment and payment system and method includes a customer client software program and client database, and a biller server software program and server database connected over an electronic information network. A customer enrolls with a biller by communicating a request between the client and server programs including information about a funding account. The biller confirms customer account information and verifies the funding account and updates the status of the enrollment request to the customer. Electronic bill summary and/or detail information is communicated to or polled from the biller server and consolidated at the customer client software. The customer may then retrieve bill summary and/or detail information and/or communicate payment instructions authorizing an electronic transfer from the funding account to the biller. In addition, a payment certification string including funding account information is generated and transmitted to a validation server which confirms the payment instructions.

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First Claim